help guide him, nd he'll set money aside from his first day of work to his last, which isn't rocket science. t's just common sens from td ameritrade. adam: an interesting fact, since 1954, the federal government's cash and non-cash expendtures have risen every single year. it was every year. did not matter who was president, democrat, republican, didn't matter who controlled congress, democrats, republicans, and even if the economy was booming or struggling. the u.s. government kept spending and spending, the enegizer bunny of spending. the next guest says he has the fix for the government. it should operate like a small business. he is joining us here in studio. people are saying governments are different than business, but at the end of the day, you eventually cannot spend more than you have; right? >> cash in, cash out, and for 58 years, every single year, republican, democrat, the government is spending more money. it makes no sense to any organization. adam: appointments out that wwen people in washington talk of cutting spending, they are saying we cut the growth rate of spending. you